Each year, more cars and drivers travel the highways. With countless vehicles on the road, accidents

Each year, more cars and drivers travel the highways. With countless vehicles on the road, accidents will happen. The difference between a small bother and major pain can be automobile insurance. But why do you need insurance and just how much should you buy? Liability: Liability pays for damages due to bodily injury and property damage to others holiday inn sunspree montego bay jamaica for which you are responsible. Bodily injury damages include holiday inn sunspree montego bay jamaica medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. Higher recommended insurances are available that cover more than the lower, state-mandated insurance. Personal injury protection: This is required holiday inn sunspree montego bay jamaica in some states and is optional holiday inn sunspree montego bay jamaica in others. Sometimes referred to as no-fault coverage, this pays the medical treatment for you or your passengers regardless of who was at fault. It may also cover lost earnings, holiday inn sunspree montego bay jamaica replacement of services and funeral expenses. State law typically sets minimum amounts. Medical payments: This coverage is available states that are not considered no-fault; holiday inn sunspree montego bay jamaica it pays regardless of who may have been at fault. It pays for an insured person s reasonable and necessary medical or funeral expenses for bodily injury from a crash. Collision: Pays for damage to your car caused by a collision. Comprehensive: This applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: Pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverage, such as emergency road service and car rental, is also available.Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, sex and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, research your options and with the help of your insurance agent make the decision that best suits you.